START planning for retirement now - your money will grow when you put aside a certain sum regularly, thanks to the power of compounding returns.
Adjust this amount when changes, such as a salary increase, occur.
To diversify investments, consider adding Asian bonds to your portfolio. There are many varieties to choose from. Most give fairly good yields and have relatively low volatility.
Rebalance, or review, your investments regularly so that you can take advantage of market timing. A 1 per cent increase in investment returns could give you extra spending money that can last more than 10 years.
Choose a quality fund manager with a good track record. Ideally, his experience and investing style should match yours.
